In the world of financial names, Suze Orman is a titan, a giant, a familiar voice to millions of investors who want to know how to make the most money in the shortest amount of time. Suze Orman has built her career helping these same investors avoid unnecessary risks with their hard-earned money.
Suze Orman advocates dividend stocks as a tool for stability and passive income rather than a complete portfolio strategy.
Orman recommends pairing dividend stocks with tech and AI growth leaders like Microsoft and NVIDIA for long-term wealth creation.
Orman identifies dividend cuts as red flags and advises selling positions when companies cut payouts.
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It’s not impossible to imagine that many people are skeptical of Orman’s vision for dividend investing, and yet in recent years she has become one of the strategy’s most vocal proponents. This is especially true for retirees and anyone who wants predictable passive income, especially as they approach retirement.
Her view strikes a balance that many income investors might miss, and she views dividends not as an overall portfolio but rather as a tool providing stability, protection and longevity. There are even companies paying high dividend yields that Orman consistently calls smart places for investors, both for dividend reliability and growth.
In typical Suze Orman fashion, she is interested in the safety blanket when it comes to investing, and for dividends, she has spoken in favor of providing income regardless of the daily movements of stocks. Better yet, Orman likes the idea that even during market downturns, dividends can help offset portfolio losses.
What Orman says very bluntly is that she considers dividends to be one of the most reliable ways to generate passive income. Instead of having to sell stock, like Dave Ramsey does, you have to sit back, relax, and get paid automatically every month or quarter.
Suze applies this thinking directly to dividend stocks like Pfizer (NYSE:PFE), which she calls an opportunity stock. The same goes for Whirlpool (NYSE: WHR), which it says had a strong dividend yield of 5.32% as of November 2025. For Whirlpool, its reasoning for this stock is practical in that appliances need to be replaced in homes every day, and Whirlpool is at the center of this demand cycle.
The difference between Orman and the dividend-only group is actually quite simple, as she firmly believes that dividends should not make up the entirety of your portfolio. The average Reddit r/dividend user might disagree, but Orman, with his decades of experience, believes that dividend stocks should only make up a portion of your wealth and not act as the sole engine of growth.
She also speaks regularly and reminds investors that future wealth creation will come from various sectors, such as semiconductors, technology and artificial intelligence. In his own words: “You have to invest in technology, in semi-trailers, in AI. You have to do it because that’s really where the future is going.”
This June 2025 quote may seem like a no-brainer in November, but it continues to love dividend players like Microsoft (NASDAQ:MSFT), NVIDIA (NASDAQ:NVIDIA), Meta (NASDAQ:META), and Broadcom (NASDAQ:AVGO). These are companies that she has been highlighting for the past two years, not only because they are high dividend stocks, but also because they show long-term growth.
Ultimately, Orman’s strategy is relatively simple, and even retail investors can’t go wrong. The goal is to use dividend stocks to stabilize your income, then use technology and AI leaders as individual stock purchases to grow your wealth. By doing both, you have a flexible and hopefully resilient portfolio.
As surprising as it may be to learn that Suze Orman doesn’t just like dividends, it will be even more surprising when you learn that she has an entire strategy built around them. The beginning of this strategy revolves around cost averaging, especially during periods of market volatility. Orman believes that if you buy a fixed amount regularly, you can buy when stocks are low and get higher forward returns.
There’s also the idea of ​​diversification, something Orman regularly advocates as an essential part of his financial planning strategy. You don’t just want to invest in individual dividend stocks, but also in dividend ETFs, and these diversified dividend funds help balance out if one company in a portfolio stumbles.
That said, Orman warns against dividend cuts, and she sees these cuts as a giant red flag. Orman says there is concern that if dividends are cut you should consider selling, and while retirees should consider capital gains taxes, his first priority is to help his supporters understand that selling is about protecting future income.
While many people might want to think of Orman as nothing more than a talking head on CNBC, similar to Jim Cramer, she’s actually much more systematic in her financial approach than most people realize. Specifically, its dividend investing strategy works very well when you focus on consistency, diversification, and most importantly, monitoring your portfolio very closely.
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